From home repairs

to home ownership.

Home ownership.

An affordable home with an affordable mortgage.

Do I qualify?

Applications will be evaluated for eligibility in three key areas:

YOUR

NEED

Your current living situation is inadequate for your family; you have a need for an affordable home. Your total family income is 66% of the median income in Fairfield County according to HUD guidelines. You don’t qualify for a conventional mortgage for a market-priced home. You are a First-time home-buyer and do not currently own a home.

ABILITY

TO PAY

You have a stable income, and enough income to pay a monthly mortgage, including taxes, insurance, and utilities. You are deemed “credit-worthy.” We will evaluate your current debt and other living expenses compared to your income. (If you are taking steps to repair any credit problems, we will take that into consideration.)

WILLINGNESS TO

PARTNER

You are willing to complete 250 hours of “sweat equity” working on Housatonic Habitat activities. Completion of a financial literacy home ownership courses Other various service requirements.

Get started by completing our short-form application.

Complete this pre-screen and we will send you instructions on how to proceed with the selection process now or in the future. Our formal application is for those who meet income guidelines and will ask you to write a personal statement of need and to provide documents consistent with banking practices.

Selection Process

The Selection Process might take 2-3 months before a decision is reached. Here’s why:

All applications are reviewed by our Family Selection team to check for missing information. If your application is incomplete, you will be asked to provide the missing information.

All completed applications go to credit reviewers, who check that your income does not exceed the maximum allowable, but is also adequate to pay our affordable mortgage.

If you are income-eligible and credit-worthy to qualify for a Housatonic Habitat home, trained interviewers will meet with your family to evaluate your housing need and your ability to partner.

During every step of this process, we follow all Fair Housing Law and standard Habitat procedures. We do not discriminate, and we do business in accordance with Federal and Connecticut Fair Lending Laws.

Housatonic Habitat for Humanity does not discriminate on the basis of race, sex, sexual orientation, color, age, disability, religion, national origin, marital or familial status, or because all or part of income is derived from any public assistance program that will produce income for the long term.

Partnership Phase

If you are selected, you will be assigned a volunteer Family Partner. Your Family Partner is your go-to person from the time you sign your letter of agreement through the first year of home ownership.

Your Family Partner will track your family’s sweat equity hours, answer questions, and be your liaison with Housatonic Habitat. During your partnership phase, you will help build your home. You will also be required to attend and participate in a series of pre-purchase workshops, financial literacy classes, and may need to also attend one or two of our post-purchase workshops.

These help you prepare to be a successful homeowner – and include sessions such as financial planning and budgeting classes, to home maintenance, and care. We want to make sure your family has the know-how and confidence to start your future from the day you put the key in the door of your new home.

We do not accept or reply to emailed questions about a submitted application.

Brush with Kindness.

Home repairs for low-income seniors.

Eligibility Requirements:

  • Must be 60 years or older except if Social Security Disabled (SSDI).
  • Must be the homeowner. This program is not for renters.
  • Income level should not exceed $2,600 per month.
  • Excluding home equity, asset level cannot exceed $50,000.
  • Home must be in one of the following CT towns: Bethel, Brookfield, Danbury, New Canaan, New Fairfield, New Milford, Newtown, Redding, Ridgefield, Weston, Wilton

How do I get started?

Please complete the pre-application form in the link below. If you have questions email repairs@housatonichabitat.org or call 203-744-1340 x104

CAN-DO

EXAMPLES

CO2 detector
Smoke alarms
Phone outlet repair
Cabinet repair
Grab bars installed
Toilet riser installation
Window screens fixed
Yard cleanup
Vinyl flooring repaired
Drapes/ Blinds replace / install
Drywall repair
Plaster/ stucco repair
Lighting fixture repair/improve
Interior painting
Winterize/ Insulate
Garage Door fix
Stairs/Rails fixed
Screen door fix/replace
Door latches repair
Door locks install
Faucet leak repair
Window panes repair
Exterior trim or siding repairs

CAN'T DO

EXAMPLES

Household chores
Laundry
Cleaning
Dusting
Buying groceries, etc.
Roofing
High ladder work
Ramp construction
Major plumbing
HVAC